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AU Zenith Credit Card vs HDFC Bank Regalia Gold Credit Card

Compare AU Zenith Credit Card and HDFC Bank Regalia Gold Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

AU Zenith Credit Card vs HDFC Bank Regalia Gold Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 11, 2026
AU Small Finance BankAU Zenith Credit Card

Premium travelers who can use domestic/international lounges and low-forex pricing but do not need the Zenith+ metal tier.

Annual fee
₹7,999 + applicable taxes.
Reviewed
September 11, 2026
Evidence
2 issuer sources
Open card research
HDFC BankHDFC Bank Regalia Gold Credit Card

Upper-mid-tier travelers who can use lounge access, milestone vouchers and travel-oriented reward redemptions.

Annual fee
₹2,500 + applicable taxes
Reviewed
September 11, 2026
Evidence
3 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

bankingreference.info · Comparison research sheet

AU Zenith Credit Card vs HDFC Bank Regalia Gold Credit Card

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/au-zenith-credit-card-vs-hdfc-regalia-gold/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

AU Zenith Credit Card

Annual fee
₹7,999 + applicable taxes.
Fee waiver
First-year fee waived on ₹1.25 lakh retail spends within 90 days; renewal fee waived on ₹5 lakh annual retail spends

HDFC Bank Regalia Gold Credit Card

Annual fee
₹2,500 + applicable taxes
Fee waiver
Renewal fee waived at ₹4 lakh spends in the anniversary year
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

AU Zenith Credit Card

Reward rules
Accelerated AU Rewardz earning on dining, groceries and other eligible categories, plus 1,000 bonus Reward Points on ₹50,000 monthly retail spend under reviewed terms

Recorded cautions

  • The ₹7,999 annual fee is significant unless premium benefits are actually used.
  • Domestic lounge access requires preceding-quarter spend.
  • Priority Pass usage within India is chargeable.

HDFC Bank Regalia Gold Credit Card

Reward rules
5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.

Recorded cautions

  • Domestic lounge access requires ₹60,000 eligible spend in the preceding calendar quarter after the new-card exemption window.
  • The 2% foreign-currency markup and the separate 1.75% DCC markup are different charging concepts under current HDFC terms.
  • Milestone vouchers only matter if the qualifying spend is natural; reward and partner rules can change.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

AU Zenith Credit Card

Lounge conditions
8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter retail spend and 8 international lounge visits annually via Priority Pass
Forex costs
1.99% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.
Eligibility
Indicative primary-cardholder age: salaried 21–60, self-employed 25–65; resident Indian; approval remains at AU Small Finance Bank discretion

HDFC Bank Regalia Gold Credit Card

Lounge conditions
3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex costs
2% foreign-currency markup
Eligibility
Subject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change
Other maintained comparisons for AU Zenith Credit CardOther maintained comparisons for HDFC Bank Regalia Gold Credit Card
Shared research themes
Premium Credit CardsTravel Credit CardsAirport Lounge Credit CardsLow Forex Markup Credit CardsRewards Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

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Credit-card terms side by side for AU Zenith Credit Card and HDFC Bank Regalia Gold Credit Card
Decision factorAU Zenith Credit CardHDFC Bank Regalia Gold Credit Card
Joining fee₹7,999 + applicable taxes under the current AU Key Fact Statement fee table.₹2,500 + applicable taxes
Annual fee₹7,999 + applicable taxes.₹2,500 + applicable taxes
Fee waiverFirst-year fee waived on ₹1.25 lakh retail spends within 90 days; renewal fee waived on ₹5 lakh annual retail spendsRenewal fee waived at ₹4 lakh spends in the anniversary year
RewardsAccelerated AU Rewardz earning on dining, groceries and other eligible categories, plus 1,000 bonus Reward Points on ₹50,000 monthly retail spend under reviewed terms5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.
Lounge8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter retail spend and 8 international lounge visits annually via Priority Pass3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex markup1.99% cross-currency markup under AU’s 7 July 2026 Key Fact Statement.2% foreign-currency markup
NetworkVisa / RuPay or current variant as offeredVisa / Mastercard variant
Eligibility / approvalIndicative primary-cardholder age: salaried 21–60, self-employed 25–65; resident Indian; approval remains at AU Small Finance Bank discretionSubject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

AU Small Finance Bank

AU Zenith Credit Card

  • The ₹7,999 annual fee is significant unless premium benefits are actually used.
  • Domestic lounge access requires preceding-quarter spend.
  • Priority Pass usage within India is chargeable.
HDFC Bank

HDFC Bank Regalia Gold Credit Card

  • Domestic lounge access requires ₹60,000 eligible spend in the preceding calendar quarter after the new-card exemption window.
  • The 2% foreign-currency markup and the separate 1.75% DCC markup are different charging concepts under current HDFC terms.
  • Milestone vouchers only matter if the qualifying spend is natural; reward and partner rules can change.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

HDFC Bank

HDFC Bank Regalia Gold Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Issuer product pageFee / charge scheduleIssuer document

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

AU Zenith Credit Card

Reviewed September 11, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://www.au.bank.in/personal-banking/credit-cards/zenith-credit-card
  2. Fee / charge schedulehttps://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf

HDFC Bank Regalia Gold Credit Card

Reviewed September 11, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card
  2. Fee / charge schedulehttps://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card/fees-and-charges
  3. Issuer documenthttps://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Regalia-Gold-Product-feature-change.pdf